--- title: 20 Year Birthday for Fixed Indexed Annuities - Insurance Agency Marketing Services description: The fixed (equity) indexed annuity (FIA) was introduced 20 years ago. The timing for this product was perfect for where the economy was in the early 90s. 1994 had been a rocky year; bond fund returns were poor, the S&P 500 ended the year on a down note, and many stock funds and variable annuities… image: https://blog.iamsinc.com/hubfs/Imported_Blog_Media/Annuity-Birthday-Cake-e1423003162654.jpg --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [Senior Health Care](https://www.iamsinc.com/senior-health-care/) - [Forms Search](https://www.iamsinc.com/forms-search/) - [e-App Solutions](https://www.iamsinc.com/e-app-solutions/) - [Firelight Registration](https://www.iamsinc.com/firelight-registration/) - [Firelight](https://www.iamsinc.com/e-app-solutions/) - [iGo e-App Solution](https://www.iamsinc.com/e-app-solutions/) - [Connect4Medicare](https://www.iamsinc.com/e-app-solutions/) - [Training](https://www.iamsinc.com/training/) - [Producer Academy](https://www.iamsinc.com/life-annuity-academy/) - [Product Training Confirmation](https://www.iamsinc.com/product-training-confirmation/) - [Monthly Webinars](https://www.iamsinc.com/webinars/) - [Support](https://www.iamsinc.com/iamsupport/) - [Production Builders](https://www.iamsinc.com/incentives/) - [Creative Solutions](https://www.iamsinc.com/creative-solutions/) - [Sales Resources Library](https://www.iamsinc.com/sales-resources-library/) - [E&O Insurance](https://www.iamsinc.com/eo-insurance/) - [AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_100x20.png?width=96&height=20&name=IAMS-Logo_100x20.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - [Life](https://www.iamsinc.com/life/) - [Single Premium Life](https://www.iamsinc.com/single-premium-life/) - [Senior Health Care](https://www.iamsinc.com/senior-health-care/) - [Forms Search](https://www.iamsinc.com/forms-search/) - [e-App Solutions](https://www.iamsinc.com/e-app-solutions/) - [Firelight Registration](https://www.iamsinc.com/firelight-registration/) - [Firelight](https://www.iamsinc.com/e-app-solutions/) - [iGo e-App Solution](https://www.iamsinc.com/e-app-solutions/) - [Connect4Medicare](https://www.iamsinc.com/e-app-solutions/) - [Training](https://www.iamsinc.com/training/) - [Producer Academy](https://www.iamsinc.com/life-annuity-academy/) - [Product Training Confirmation](https://www.iamsinc.com/product-training-confirmation/) - [Monthly Webinars](https://www.iamsinc.com/webinars/) - [Support](https://www.iamsinc.com/iamsupport/) - [Production Builders](https://www.iamsinc.com/incentives/) - [Creative Solutions](https://www.iamsinc.com/creative-solutions/) - [Sales Resources Library](https://www.iamsinc.com/sales-resources-library/) - [E&O Insurance](https://www.iamsinc.com/eo-insurance/) - [AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # 20 Year Birthday for Fixed Indexed Annuities ![](https://blog.iamsinc.com/hubfs/Imported_Blog_Media/Annuity-Birthday-Cake-e1423003162654.jpg) The fixed (equity) indexed annuity (FIA) was introduced 20 years ago. The timing for this product was perfect for where the economy was in the early 90s. 1994 had been a rocky year; bond fund returns were poor, the S&P 500 ended the year on a down note, and many stock funds and variable annuities had marginal or negative returns. In addition, the 8% and 9% yields consumers realized on traditional fixed annuities during the previous decade appeared to be gone for good. From a historic point of view, interest rates were on a long downward slope, and insurers were looking for an annuity that could continue to deliver respectable returns. They picked a product that would create acceptable returns. Over the last 20 years, fixed indexed annuities have been a part of the longest and strongest bull market in U.S. history, as well as witness to two of the worst bear markets since the Great Depression. Through it all, indexed annuities have done exactly what they were designed to do. FIAs provide the potential for a little more interest than a stated-rate annuity would pay while still protecting premium and credit interest from market risk. Here are a few highlights from that history of protection and potential. Since 1995, roughly $400 billion in fixed index annuities have been purchased by millions of consumers. The non-complaint percentage of indexed annuity owners is 99.994%, demonstrating that people are happy they bought an indexed annuity. More than $100 billion of lifetime income has been guaranteed by indexed annuity carriers, which will help to provide retirement security for a substantial wave of retirees. Carriers continue to innovate, adapt and excel in creating new solutions. ###### Source: NAFA Annuity Outlook #### Author:Webmaster [Next IRAs are Changing Next Year!](https://blog.iamsinc.com/2015-ira-changes) [Previous Reposition Lazy Assets](https://blog.iamsinc.com/reposition-lazy-assets) ### Related Posts [![When Portfolios Drop, Protection Pops—Lead with Safety They Can See](https://blog.iamsinc.com/hubfs/Imported_Blog_Media/iStock-2206991365.jpg)](https://blog.iamsinc.com/when-portfolios-drop-protection-pops-lead-with-safety-they-can-see) [When Portfolios Drop, Protection Pops—Lead with Safety They Can See](https://blog.iamsinc.com/when-portfolios-drop-protection-pops-lead-with-safety-they-can-see) April 10, 2025 [![Maximizing Client Value: Cross-Selling to Medicare Clients](https://blog.iamsinc.com/hubfs/Imported_Blog_Media/MC-medicarekit.jpg)](https://blog.iamsinc.com/maximizing-client-value-cross-selling-to-medicare-clients) [Maximizing Client Value: Cross-Selling to Medicare Clients](https://blog.iamsinc.com/maximizing-client-value-cross-selling-to-medicare-clients) October 24, 2024 [![Strategies for Addressing Annuity Concerns](https://blog.iamsinc.com/hubfs/Imported_Blog_Media/iStock-1463814322.jpg)](https://blog.iamsinc.com/addressing-annuity-concerns) [Strategies for Addressing Annuity Concerns](https://blog.iamsinc.com/addressing-annuity-concerns) April 12, 2024 [![Refocusing for 2020](https://blog.iamsinc.com/hubfs/Imported_Blog_Media/Ibbotson-2.jpg)](https://blog.iamsinc.com/refocusing-for-2020) [Refocusing for 2020](https://blog.iamsinc.com/refocusing-for-2020) October 25, 2019 ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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